Personal Investments • Re: Roth or not?
Current marginal tax rate is....Effective tax overall is...in retirement. This is not the correct way to evaluate traditional vs. Roth. One should compare marginal vs. marginal, not marginal vs....
View ArticlePersonal Investments • Re: Portfolio review request
Agree with others that you could simplify this portfolio by using fewer funds.7) My monthly expense is approx $10K/month. This includes $2500 mortgage. This does not include health insurance which is...
View ArticlePersonal Investments • Re: Heavily investing in TIPS?
Hi. My wife and I are both 56. I am self-employed and she is a teacher with a pension. She will be retiring in 6.5 years and for the sake of retirement planning, I’m assuming I will, too. Here’s our...
View ArticlePersonal Investments • Re: Another Settlement Fund Question.
The transactions take time. The funds earned interest while passing through the Roth settlement fund on their way to the final destination, which paid back into settlement fund. This is a best guess....
View ArticlePersonal Investments • Re: Pre-tax vs Roth for HNW
I would think you are going to get in the highest tax bracket pretty easily, a maxed out Roth is worth way more than a maxed out traditional.Statistics: Posted by Zedon — Mon Jun 10, 2024 5:34 am
View ArticlePersonal Investments • Re: Inheritance question
Keep in mind, it's your inheritance unless you commingle it. If you divorce before commingling, you get to keep all of it. Otherwise, half goes to the husband.Get wills if you don't have already....
View ArticlePersonal Investments • Re: Where to buy/sell physical Gold
It would be nice to have a Wiki article on this subject as it comes up pretty consistently. OP if you do a search you will find the same advice you are being given here in previous posts.Statistics:...
View ArticlePersonal Investments • Re: How to buy 3 month treasuries
So the CUSIP alone does not tell us the original auction date or the original maturity date (and therefore the time length of the bill)?Fascinating stuff!Not true, An internet search on the term...
View ArticlePersonal Investments • Re: Investment options for BUSINESS MONEY?
I have a Vanguard single member titled LLC brokerage account. Approx $1mm total balance which i roll 17week tbills and about 150k is in settlement fund (5.27% rate). Functions well. Linked to primary...
View ArticlePersonal Investments • Re: Where to place TIPS bonds
I am wondering where people who are still working and purchasing TIPS bonds are placing them in their portfolio. My understanding is that it's undesirable to purchase TIPS bonds in a taxable account...
View ArticlePersonal Investments • Re: Portfolio analysis
Asset allocation / risk tolerance is tricky because there are many ways of looking at it. Your capacity to take risk is quite large because you don't need your retirement funds at all. So in theory...
View ArticlePersonal Investments • Confirming transfer of inherited IRA doesn't impact...
I'm hoping the group can help me confirm my understanding that a transfer of an inherited IRA from one custodian to another should not impact the timing/amount of required RMDs under SECURE Act...
View ArticlePersonal Investments • Re: Benefits to Bundling Investments with Fewer Companies
In my opinion, there is no reason many people can’t use just one company. Fidelity, Schwab and Vanguard are the three most often talked about. Transfer bonuses might be compelling but to me the key is...
View ArticlePersonal Investments • Re: Just Diagnosed With MS - Rethinking Finances
You are well set up financially. I would not hesitate to retire early if that is something you hoped to do. How much are you spending aside from the $25k planned for health care?Our allocation is 30%...
View ArticlePersonal Investments • Re: Confirming transfer of inherited IRA doesn't...
Moving the account will NOT change the registration or the requirements to take RMDs.Statistics: Posted by Wiggums — Tue Jun 11, 2024 6:14 am
View ArticlePersonal Investments • Re: Please help a confused 24 yr old on investing in...
Look into Vanguard. I believe they have offices in Australia. Also, the SP500 is great but will only get you the 500 biggest companies in America. Nothing wrong with that, but there are more companies...
View ArticlePersonal Investments • Tax-Adjustment
When relocacting assets between a taxable and tax-deferred account, do you bother to "tax adjust?" If so, what ratio of taxable/tax-adjusted do you use and how did you come-up with that...
View ArticlePersonal Investments • Re: Implications of rolling Individual 401k to...
You actually need to terminate the plan once you have done the rollover. This requires a memo to self and EZ 5500 form.If you have closed the sponsoring business, terminating the plan generally...
View ArticlePersonal Investments • Re: Disposable Income, Taxable Account, Asset Allocation
Thanks for the responses. Perhaps I can still do a bit of both. Maybe I can chuck 100k at the mortgage, and more each year. If rates go up in future years, at least by this point most of my payment is...
View ArticlePersonal Investments • Re: Talk me out of switching to VGT from VOO
So I was backtesting VGT and VOO in the website below.https://www.portfoliovisualizer.com/bac ... sisResultsWhat I realized is VGT beat VOO in every year since 2010. That is 13 years of constantly...
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